404 S Main St, Waterloo, IL 62298
Property image
Property image
FOR SALE
0.39 ACRES
Listed by JoAnn M Meier, RE/MAX First Choice, (618) 779-4624

$227,500

Original price: $228,500
  • 3 Beds
  • 2 Baths
  • 1,484 sqft (on 0.39 acres)

404 S Main St, Waterloo, IL 62298

Est. Mortgage $1,585/mo*
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We estimate this home will sell faster than 82% nearby.

Home Highlights

Single-Family Home
Built in 1908
0.39 acre lot
$153/sqft

Local Information

  • Map ViewExplore the area around 404 S Main St.
  • Schools1 Preschool School3 Elementary Schools1 Middle School1 High School
  • Shop & Eat
-- mins to
Commute Destination

About this House

Originally built in 1908 and thoughtfully expanded over the years, this beautifully updated 3-bedroom, 2-bath home perfectly blends timeless character with today’s modern conveniences. Offering approximately 1,484 square feet of living space on a spacious lot of over one-third acre, this property is surrounded by mature shade trees that create a peaceful, park-like setting. The expansive backyard is ideal for entertaining, gardening, or simply relaxing, and offers ample space to add a detached garage—a desirable feature in this established neighborhood. Enjoy your morning coffee or evening sunsets from the backyard deck while taking in the beautiful surroundings.

Inside, you’ll appreciate the extensive updates that make this home truly move-in ready. Recent improvements include fresh paint throughout, new luxury vinyl plank flooring, new carpeting, updated light fixtures, ceiling fans, and beautiful white wood blinds. The inviting living room features a decorative fireplace with electric logs, creating a warm and cozy focal point.

The kitchen has been refreshed with updated cabinetry, a new drop ceiling, and all new appliances, making it both functional and attractive for everyday living. Both bathrooms have been updated with new adult-height vanities and modern finishes.

Additional features include a spacious main-floor laundry room, gas forced-air furnace and central air conditioning, two built-in bookcases that add charm and functionality, and a cellar beneath the original portion of the home, while the remainder of the house is situated on a crawlspace.

Major exterior improvements include a chimney that has been professionally tuck-pointed and painted, providing both curb appeal and peace of mind for years to come. Roof June 5th 2018, Interior major improvements the HVAC 2020, the hot water heater 2008.

If you’ve been searching for a home that offers character, modern updates, a beautiful oversized yard, and room to grow, this is the one. With the major improvements already completed, all that’s left to do is move in and enjoy!
We estimate this home will sell faster than 82% nearby.

Home Details for 404 S Main St

Active Status

MLS Status: Active

Interior Features

Interior Details
Basement: Cellar,Crawl SpaceNumber of Rooms: 8Types of Rooms: Primary Bedroom, Bathroom, Bathroom 2, Kitchen, Laundry, Living Room
Beds & Baths
Number of Bedrooms: 3Main Level Bedrooms: 3Number of Bathrooms: 2Number of Bathrooms (full): 2Number of Bathrooms (main level): 2
Dimensions and Layout
Living Area: 1484 Square Feet
Appliances & Utilities
Utilities: Electricity Connected, Natural Gas Connected, Sewer Connected, Water ConnectedAppliances: Dishwasher, Disposal, Microwave, Gas Oven, Free-Standing Gas Range, Refrigerator, Water HeaterDishwasherDisposalLaundry: In Hall,Laundry Room,Main LevelMicrowaveRefrigerator
Heating & Cooling
Heating: Forced Air,Natural GasHas CoolingAir Conditioning: Central AirHas HeatingHeating Fuel: Forced Air
Fireplace & Spa
Number of Fireplaces: 1Has a Fireplace
Gas & Electric
Electric: Single PhaseHas Electric on Property
Windows, Doors, Floors & Walls
Flooring: Carpet, Laminate
Levels, Entrance, & Accessibility
Levels: OneFloors: Carpet, Laminate

Exterior Features

Exterior Home Features
Patio / Porch: DeckFencing: None
Parking & Garage
No CarportNo Garage
Water & Sewer
Sewer: Public Sewer
Finished Area
Finished Area (above surface): 1484 Square Feet

Days on Market

Cumulative Days on Market: 52Days on Market: 52

Property Information

Year Built
Year Built: 1908
Property Type / Style
Property Type: ResidentialProperty Subtype: Single Family ResidenceArchitecture: Ranch
Building
Construction Materials: Vinyl SidingDoes Not Include Home Warranty
Property Information
Parcel Number: 0725434003000

Price & Status

Price
List Price: $227,500Price Per Sqft: $153
Status Change & Dates
Possession Timing: See Remarks, Subject To Tenant Rights

Location

Direction & Address
City: WaterlooCommunity: Rose & Omelveneys Add
School Information
Elementary School: Waterloo Dist 5Jr High / Middle School: Waterloo Dist 5High School: WaterlooHigh School District: Waterloo DIST 5

Agent Information

Listing Agent
Listing ID: 26045645

Building

Building Area
Building Area: 1484 Square Feet

HOA

Association for this Listing: Southwestern Illinois Board of REALTORSNo HOA

Lot Information

Lot Area: 0.39 acres

Listing Info

Special Conditions: Standard

Offer

Listing Terms: Cash, Conventional, FHA, USDA Loan, VA Loan

Miscellaneous

Mls Number: 26045645Above Grade Unfinished Area: 1484Showing Requirements: Lockbox, Register and Show, Sign, Vacant

Around this home

What Locals Say about Waterloo

At least 62 Trulia users voted on each feature.

  • 94 % Say it's dog friendly

  • 92 % Say parking is easy

  • 92 % Say yards are well-kept

  • 90 % Say people would walk alone at night

  • 85 % Say there's holiday spirit

  • 82 % Say car is needed

  • 82 % Say kids play outside

  • 79 % Say streets are well-lit

  • 77 % Say it's quiet

  • 63 % Say neighbors are friendly

  • 62 % Say there are sidewalks

  • 59 % Say they plan to stay for at least 5 years

  • 49 % Say it's walkable to restaurants

  • 45 % Say there's wildlife

  • 42 % Say there are community events

  • 36 % Say it's walkable to grocery stores

Sourced by Trulia users. Learn more about our methodology.
  • Juanita T.
    "It is a nice quiet neighborhood. People like to take walks and go to the parks and lakes. The dog parks are awesome for our four-legged friends."
    3
    Flag
  • Samantha L. .
    "Long but definitely better then the city traffic. I would always prefer the commute any day except during the winter "
    1
    Flag
  • Shelly_graves
    "Plenty of space in homes and yards, and a great place to walk. Parks nearby. Open fields. Quiet. Low traffic. "
    1
    Flag
  • Stacy S.
    "Safe for children great schools but limited after school activities unless you do Sports. Community school very big in agriculture education "
    0
    Flag
  • Claytonbour
    "Top quality schools, super low crime rate. Great area to raise a family. Can’t ask for a better place in Illinois or STL metropolitan area. "
    0
    Flag
  • Jennifer C. G.
    "We have parades and gatherings in the town square for holidays. The town lights up the street poles with Christmas Light Ornaments in December, it’s beautiful."
    0
    Flag
  • Jennifer C. G.
    "I have lived here for over 10 years the people are friendly, it has a wonderful sense of community and is a great place to bring up a family."
    0
    Flag
  • Suzanne S. R.
    "They would like that there are sidewalks all over the neighborhood . The streets are wide and people look out for each other "
    1
    Flag
  • Suzanne S. R.
    "There is true sense of community in Waterloo. Many people will come back here to raise their families. Lots of parks and events for the whole family. The downtown area is revitalizing it’s self . So much to do . Great place to live "
    0
    Flag
  • Christina F
    "Plenty of space, dogs can poop anywhere and you don’t have to pick it up outside of city limits. Roads and sidewalks are well maintained there is a great dog park near town and lots of people enjoy the community events"
    0
    Flag
  • edkane6431
    "It is a very quite and private close to a lovey park with lakes."
    0
    Flag

Market trends in Waterloo

Last updated August 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
—
Sale-to-List Price
—
Price per sq ft
—
Available listings
41
4MoM

Home Value

Trulia Estimate
$222K
Since last month
Decreased$7K (-3%)
Since last year
Increased$1K (+0.5%)
Since last sale
Increased$97K (+77.2%)
Learn more about this home's value by checking out its Trulia Estimate, the value of nearby homes, and how much similar homes have sold for.

Trulia Estimate

The of this home's value increased by +66% in the last 10 years
MonthEstimated value
2026
September 2026$222K
August 2026$220K
July 2026$228K
June 2026$217K
May 2026$220K
April 2026$221K
March 2026$216K
February 2026$214K
January 2026$213K
2025
2024
2023
2020
2019
2018
2017
2016

Comparable sales

These are recently sold homes that have a similar location or other similar features to this home, like bedrooms, bathrooms, and square footage. Get a sense of the expected prices in the area by viewing these homes.
Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
203 E Mill St, Waterloo, IL
0.35
Single-Family Home
$120,000
07/31/26
3
2
1,470
421 S Church St, Waterloo, IL
0.13
Single-Family Home
$250,000
12/15/25
3
1.5
1,110
306 S Market St, Waterloo, IL
0.14
Single-Family Home
$220,000
09/01/26
3
2
1,413
611 S Market St, Waterloo, IL
0.14
Single-Family Home
$130,000
09/25/25
2
2
1,086
705 Leo St, Waterloo, IL
0.24
Single-Family Home
$230,000
05/07/26
3
2
1,829
539 S Main St, Waterloo, IL
0.16
Single-Family Home
$166,000
07/14/26
2
2
1,410
608 S Church St, Waterloo, IL
0.23
Single-Family Home
$225,000
08/17/26
3
2
1,600
622 Morrison Ave, Waterloo, IL
0.22
Single-Family Home
$215,000
07/17/26
3
2
1,344
627 Mark Dr, Waterloo, IL
0.45
Single-Family Home
$228,000
06/01/26
3
2
1,318

Nearby home prices

Get a sense of expected prices in the area by checking the value of nearby homes.
Address
Distance
Price
Bed
Bath
Sqft
Status
105 Gardner St, Waterloo, IL 62298
0.04
$220,800
2
1.5
1,316
Off Market
503 S Market St, Waterloo, IL 62298
0.04
$159,500
2
1
1,027
Off Market
421 S Main St, Waterloo, IL 62298
0.05
$242,800
4
2
1,330
Off Market
403 S Market St, Waterloo, IL 62298
0.08
$219,200
2
1
1,260
Off Market
401 S Market St, Waterloo, IL 62298
0.08
$292,500
3
2
1,887
Off Market
413 Watertower Ln, Waterloo, IL 62298
0.08
$171,000
2
1
672
Off Market
410 S Market St, Waterloo, IL 62298
0.08
$110,000
1
1
672
Recently Sold
316 S Main St, Waterloo, IL 62298
0.10
$267,100
4
3
1,585
Off Market
319 S Main St, Waterloo, IL 62298
0.11
$111,000
1
1
777
For Sale
305 S Market St, Waterloo, IL 62298
0.12
$286,900
5
2.5
1,620
Off Market
407 Morrison Ave, Waterloo, IL 62298
0.11
$239,000
2
1
1,145
Off Market

Price and Tax history

DateEventPrice
Sep 13, 2026
Source: MARIS #26045645
PendingToActive
$227,500
Aug 29, 2026
Source: MARIS #26045645
Contingent
$227,500
Aug 24, 2026
Source: MARIS #26045645
PriceChange
$227,500
Price decreased by 0%
Jul 22, 2026
Source: MARIS #26045645
Listed For Sale
$228,500
Feb 10, 2021
Source: Zillow Rental Manager
ListingRemoved

LGBTQ Local Legal Protections

JoAnn M Meier, RE/MAX First Choice
Agent Phone: (618) 779-4624
IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Some IDX listings have been excluded from this website. Click here for more information

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Frequently asked questions about 404 S Main St

  • What is the estimated monthly payment for 404 S Main St?
    Based on a $227,500 list price with 20% down at today's rates, the estimated monthly payment for 404 S Main St in Waterloo, IL is approximately $1,628 (about $1,231 principal & interest, $322 property taxes, and $75 homeowner's insurance). This is an estimate. Actual payment depends on your loan terms.
  • What do residents say about Waterloo?
    Residents describe Waterloo, IL as dog-friendly, easy to park in, and well-kept. Most residents say you need a car. See homes for sale in Waterloo, IL.
  • What are the closest schools to 404 S Main St?
    The closest schools to 404 S Main St in Waterloo, IL are Gardner Elementary School (rated 6/10), Rogers Elementary School (rated 10/10), W J Zahnow Elementary School (Pre-K).
  • What is 404 S Main St estimated to be worth?
    Trulia's estimated value for 404 S Main St in Waterloo, IL is $221,500.
  • Does 404 S Main St have air conditioning?
    Yes, 404 S Main St in Waterloo, IL has air conditioning.
  • Does 404 S Main St have laundry facilities?
    Yes, 404 S Main St in Waterloo, IL has laundry facilities.
404 S Main St, Waterloo, IL 62298 is a 3 bedroom, 2 bathroom, 1,484 sqft single-family home built in 1908. This property is currently available for sale and was listed by MARIS on Jul 17, 2026. The MLS # for this home is MLS# 26045645.